The document outlines terms and strategies related to foreclosure, emphasizing the importance of seeking professional help and understanding the various stages of foreclosure. It provides practical tips for homeowners to potentially save their properties and highlights the risks of scams targeting those in distress. Additionally, it discusses the significance of maintaining good personal and business credit ratings.

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Terms and Conditions
LEGAL NOTICE
The Publisher has strived to be as accurate and complete as possible
in the creation of this report, notwithstanding the fact that he does
not warrant or represent at any time that the contents within are
accurate due to the rapidly changing nature of the Internet.
While all attempts have been made to verify information provided in
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omissions, or contrary interpretation of the subject matter herein.
Any perceived slights of specific persons, peoples, or organizations
are unintentional.
In practical advice books, like anything else in life, there are no
guarantees of income made. Readers are cautioned to reply on their
own judgment about their individual circumstances to act
accordingly.
This book is not intended for use as a source of legal, business,
accounting or financial advice. All readers are advised to seek services
of competent professionals in legal, business, accounting and finance
fields.
You are encouraged to print this book for easy reading.

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Table Of Contents
Foreword
Chapter 1:
Understanding Foreclosure Basics
Chapter 2:
Ways To Save Your House
Chapter 3:
When To Give Up Your House?
Chapter 4:
Battle Against Foreclosure In Court
Chapter 5:
Beware of Foreclosure Scams
Chapter 6:
Reform Your Personal & Business Credit
Wrapping Up

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Foreword
Although this is not the most ideal of situations, for the savvy investor
this type of property procurement is definitely more beneficial. As for
the home owner in question although the entire experience of the
foreclosure can be a nightmare it is still a better option than being
declared a bankrupt.
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Chapter 1:
Understanding Foreclosure Basics
Synopsis
The upside to foreclosures would be that the shrewd investor would
be able to capitalize on this type of property procurement and the
seller who is in dire straits will be able to get rid of the property fairly
quickly so that no further debts are incurred. As for the downside, it is
obvious that the property is already undergoing some problems
financially thus there is no question about the possible risks involved
which in this case could be comparatively higher
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The Basics
The three types of foreclosures would be as listed below:
Pre-foreclosures are at the stage where the investor is likely to be
able to relieve the distressed homeowner of any further dealings
with the property in question. Here the property owner’s credit
rating can be saved from further damage when the transaction to
take over the property commences.
Foreclosure stage is where the property position has already
reached dire conditions thus gaining the attention of the courts.
After judiciary interception, the property is now ready to be
auctioned off to the highest bidder. These bids are
characteristically much lower than the actual market value of the
property as the financier is basically only interested in getting back
the initial investment plus interests incurred.
Post-foreclosure is basically the very last stage where the lender
has already taken control of the property. This is o course very
distressing for the home owner but there is now no longer any
form of recourse or possibility of avoiding a poor credit rating
beside the obvious loss of property.
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Chapter 2:
Ways To Save Your House
Synopsis
For everyone owing a home is part of the ideal dream scenario, and
no one really expects to lose it because of the inability to service the
loans or house mortgages. However of late there have been
documented ways and tips on how to avoid having the home reposed.
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Some Tips
The following are some of the tips that should be considered in the
quest to retain the said property that is about to be foreclosed on:
 Approaching the finance house or the bank, where the mortgage
was acquired from, to renegotiate the terms of the original
mortgage would be well worth the effort. In most cases the
lender would appreciate such initiatives taken by the borrower
thus the willingness to try and accommodate the request.
 If the home in question is found to be too big then the
individual should consider downsizing or at least subletting
come parts of the house to create a viable income source to help
pay towards the mortgage. Renting out the basement or garage
space or even rooms would be an option worth exploring.
Although it may not be very feasible but for the sake of being
able to retain the property the home owner may want to
consider actually sharing the home with another family. This
may not contribute to an ideal arrangement but it will
contribute to helping toward servicing the mortgage.
 If there are assets that can be sold for a good amount of money
then this also should be explored and if found to be viable it
should then be executed at the soonest possible opportunity.
This money can then be used to service the mortgage.

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Exploring the possibility of getting an outsider to co sponsor the
mortgage is also possible. With this sort of help the mortgage
payment can continue without interruptions thus allowing the home
to remain within the owner’s possession.

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Chapter 3:
When To Give Up Your House?
Synopsis
Sometimes when it seems all that the individual is doing is fighting a
losing battle, it would be considered a good time to start thinking
about selling up and cutting one’s losses. Several reasons contribute
to such needs but all the same the decision to sell, if the inevitable
decision.

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Have A Look
One of the situations that would merit this drastic decision would be
when the owner of the property is consistently falling behind in the
mortgage payments. There would seem to be no point in trying to
hold on to the property from an economic point of view. This is
especially so, if the owner is unable to get the lender to redesign the
mortgage package to a reduced payment scheme, based on the
allowances allocated in the Home Affordable Modifications program.
Even when this has been considered and the owner is still probably
unable to make the mortgage payments the best recourse action
would be to give up the property.
Another instance where a sale would be better that holding on to the
property would be when the value of the said property has dropped
considerably. This is especially so, when the property has dropped to
over 25% of the original sum paid for. When this situation prevails,
the owner would have to hold on to the property until it goes up the
said 25% just to break even.
There are times when it is possible to actually purchase a house
without or comparably without a down payment, and even if this was
the case for the home owner, holding on to the property would not be
a wise decision to make. The owner would have no equity to being
with thus giving up the house would not be so difficult as the losses
incurred up the this point would not be much.

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Chapter 4:
Battle Against Foreclosure In Court
Synopsis
Losing a property in any way is a nightmare and losing it to a
foreclosure is no different. However with new developments it would
seem that the home owner does have some options open and
recourses available to explore in the quest to battle against the
foreclosure exercise in court.

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In Court
When the situation seems to point towards a possible foreclosure
exercise as being the eminent and very real result of the inability to
keep up with the mortgage payments, the decision to act should be
seriously considered. The action to act may take the form of
personal representation in court to plead out the case and stop the
foreclosure exercise from unfolding.
There are several groups and resources that can be tapped into to
gain as much information as possible on how to go about personal
representation on this issue of foreclosure. This is especially
helpful when the owner does not really have the funds to deal with
a long and tedious legal wrangle in court.
Helpful information can be acquired of the internet and a good
research exercise will help to prepare the owner with all the
relevant argumentative points.
Another way of stalling the foreclosure probability is to put the
pressure on the government authorities in the area. An example of
which can be witnessed in quite a few areas where the foreclosures
have resulted in decent and valuable properties being left to be
stripped by unscrupulous people.
This is mainly because the lender who initiates the foreclose
process where the owner is finally evicted, does not follow through

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on maintaining the said property, thus leaving it to the mercy of
vandals and others who strip the home bare. Therefore presenting
and fighting a case that portrays such negligence may help the
owner battle against the fore closure eventuality..

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Chapter 5:
Beware of Foreclosure Scams
Synopsis
When desperation is the order of the day, a lot of people start
grabbing at any and every possibility that present itself in the home of
keeping the creditors at bay, and this would also apply to keeping the
foreclosure exercise from unfolding.

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Beware
Some of the seemingly popular forms of assistance, offered to
those facing foreclosures are listed below:
 Foreclosure scammer systematically study cases where the
owner in now at a desperate stage where there seems to be no
relief or recourse in sight. This is when the scammers will offer
to provide assistance in the form of guarantees to save the said
property from undergoing foreclosure for a fee. This fee will
supposedly be for the services rendered in getting the lender to
abandon the foreclose exercise and seek to negotiate a deal with
the owner. In all cases the scammer will claim to have direct
access to the lender thus the probability of making good on the
promise is perceived as high indeed, to the desperate owner
facing foreclosure.
 Another popular scam is where certain parties will approach the
desperate home owner and encourage the owner to sign
documents in exchange for the promise of help. Some of these
documents may include the signing over of the deed to the
house that the foreclosure exercise is acting upon. For the
desperate home owner who is already at wits end, a promise of
help through the seemingly simple sighing of documents can be
looked upon as a relief of sorts. However should the home
owner take up this offer is would actually mean that the owner

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would have signed away all rights to the property, thus
eventually leaving the owner with nothing at all. In some cases
the owner may be stuck with still having to clear some
outstanding debts incurred through the mortgage taken.

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Chapter 6:
Reform Your Personal & Business Credit
Synopsis
The credit ratings of an individual is a very important part of the
adult life especially if the said individual intends to make purchases
that require short term loan or long term loan assistance. Therefore it
would be prudent, to ensure the credit rating are kept at a positive
platform as much as possible and any shift in this toward the negative
should be addressed at the earliest possible time.

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Great Info
Most people tend to assume that by paying bills on time, keeping up
with the mortgage payments, ensuring all business transaction that
involve the exchange on money is done properly and any other forms
that require the exchange of money is done without the probability of
incurring debts, is a sufficient enough way to ensure excellent credit
rating both on a personal and a business platform.
However this is not always the case as there are many other factors
that can just as effectively contribute to the reform of personal and
business credit.
Keeping the business entity credit rating separate from the personal
credit rating, is something that every business owner is advised to do
by financial experts. This is an effective way of ensuring the personal
credit rating is not affected by any negativity caused by the financial
position reflected in the business credit rating. It should also be noted
that certain payments made to establishments such as banks, credit
card companies, utility and phone companies to do necessarily
feature in the credit ratings, thus being diligent in these areas may
not benefit the credit ratings given as may be perceived by the
individual.
If there are discrepancies found in the reports drawn up by credit
rating entities, the onus is on the individual to address and have this

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information rectified as soon as possible so that the wrong
information would not eventually end up causing problems for the
individual.

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Wrapping Up
Having all the information you can have about foreclosure is a good
place to start. In this book, we have given you a good beginning.